Insurance and Strata Obligations

Last Saturday one of our owners returned home from holidays to discover a flooded unit. A leaking toilet spigot was the cause and his household insurance is covering most of the repairs. However they have declined to repair the floating timber floor in the kitchen, their excuse is that , ” the floating floor is a Strata issue because we deem it to be a fixture installed by the builder and hence falls under Strata jurisdiction “. This does seem to be a bit nit picky to me. They will replace the carpet ( also installed by the builder ) but not the small area of kitchen floor ! Does this then apply to vertical drapes, shower screens, etc installed by the builder.

Please a bit of common sense advice.

Our building is only 10 years old in case that makes a difference to Strata insurance requirements.